Manipal Cigna LifeTime Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. The plan offers comprehensive coverage up to Rs. 3 crores each, for coverages in India and abroad. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.
The plan covers you at every stage of life for a lifetime. With a wide range of benefits and coverage, the plan is an ideal choice to cover yourself and your family members.
Read along to explore more about this plan:
|Minimum Entry Age||Child - 91 days, Adult - 18 years|
|Maximum Entry Age||Child - 25 years (in a family floater policy), Adult - 65 years|
|Sum Insured||Rs. 50 Lakhs to Rs. 3 Crore|
|Policy Tenure||1, 2 & 3 years|
|Relationships Covered||Individual Plan: An Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, the parent in-laws, grandparents and grandchildren, son-in-law and daughter-in-law, uncle, aunt, nephew, and niece|
|Floater Plan: A floater plan can cover self, lawfully wedded spouse, children up to the age of 25 years, parents, and parent in-laws. A floater cover can cover a maximum of 2 adults and 3 children under a single policy. Combinations allowed under 2 Adults are Self & Spouse or Father & Mother or Father-in-law & Mother-in-law.|
**Last Updated on March, 2022
The plan looks after the hospitalization expenses of the insured in case of hospitalization more than 24 consecutive hours arising from a disease/ illness or injury.
The plan covers the expenses incurred during the in-patient hospitalization for AYUSH, for an illness or injury that occurs during the policy year.
One may avail a comprehensive health check-up at any of the company's network hospitals if the Insured Person is of age 18 years or above at the start of the policy year.
The plan covers the expenses incurred towards Robotic or Cyberknife Surgery of the insured person subject to the illness/ injury being covered under 'Hospitalisation Expenses'.
The listed modern and Advanced Treatments are covered by the plan, subject to illness/ injury being covered under Hospitalisation Expenses.
In case your coverage is exhausted due to the claims made, then in such cases, the plan will provide for a 100% restoration of the sum insured for any number of times in a policy year for an unrelated illness or injury.
If the insured suffers from Permanent Partial Disablement, Permanent Total Disablement, death due to an injury caused by an accident, or he/she is diagnosed with a listed Critical Illness mentioned in the policy, then the plan will pay the next Renewal Premium of the Policy for next 1 year.
Once the claim is accepted and paid, the cover will terminate automatically.
The plan offers coverage across the globe in case the insured suffers from any illness or injury. The plan offers:
The plan comes with three optional covers that are:
Refer to the below table to understand what is covered under these optional covers:
| Air Ambulance Cover |
Medical Devices and Non - Medical Items
Domestic Second Opinion
Bariatric Surgery Cover
Major Illness Hospi Cash
Chemotherapy and Radiotherapy Cash
Accidental Hospi Cash
Domestic Concierge Services
Tele - Consultations
| Breast Cancer Screening |
Cervical Cancer Screening
Cervical Cancer Vaccination
Ovarian Cancer Screening
Psychiatric and Psychological Consultations
| Global Hospi Cash |
Global Convalescence Benefit
Global Out Patient Expenses
Global Chemotherapy and Radiotherapy Cash
Travel Expenses Benefit
Global Second Opinion
**Last Updated on March, 2022
One can avail an add-on cover that will cover the expenses if the insured is diagnosed with 11 listed Critical Illnesses Available on payment of additional premium.
To understand how the premium payable under both the variants is different, refer to the below graph, which shows how the premium for the Indian Plan and Global Plan is different under different sum insured options:
Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan
|Parameters||Indian Plan||Global Plan|
|Day Care Treatment||Available||Available|
|Pre - hospitalization||Covered, up to 60 days|
|Post - hospitalization||Covered, up to 180 days|
|Road Ambulance Cover||Available||Available|
|Robotic and CyberKnife Surgery||Available||Available|
|Modern and Advanced Treatments||Available||Available|
|HIV/AIDS and STD Cover||Available||Available|
|Mental Care Cover||Available||Available|
|Global Hospitalization for Major Illness||Not Available||Available|
|Global Pre - hospitalization||Not Available||Available|
|Global Post - hospitalization||Not Available||Available|
|Global Ambulance Cover||Not Available||Available|
|Medical Repatriation||Not Available||Available|
|Repatriation of Mortal Remains||Not Available||Available|
|Global Travel Vaccination||Not Available||Available|
|Global Robotic and CyberKnife Surgery||Not Available||Available|
|Global Modern and Advanced Treatments||Not Available||Available|
|Critical Illness Cover||Available||Available|
| First 30 days waiting period is applicable for all illnesses other than accidents. |
24 months waiting period is applicable to specific ailments.
Pre-existing diseases will not be covered for 24 months
A 90 day waiting period and 30 day survival period is applicable to Critical Illness Add-on cover (if opted
**Last Updated on March, 2022
You can buy the ManipalCigna LifeTime health plan directly from the company’s official website or you can buy it from PolicyX.com. Below we have shown both the buying process in detail:
Buying through ManipalCigna official website
Buying through PolicyX.com
Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:
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